Hopefully this makes sense. 

I'm wondering how some of you have solved this problem. 

This implies that rather than pay the loan early, you are likely to do better putting that money in S&P or you can do far better using it to make a smart RE investment.- current f/f is around 6%.

We not offer this at 10%. 

This is a great place to learn and to connect with people so take advantage of all the great resources.

Do you need all this for a couple of rentals?

You want a short term rental policy like @Garrett Brown listed.Regarding the 1m liability, we have 2m and a 5m umbrella.Now this is going to depend on where your STR is.

My MLS spans all throughout Tampa and mostly all of Central Florida and can give you some Comparable Market Analyses near that area to help you with this journey.

I am debating about this because I know most people like mature trees but in this particular case, they almost completely cover up the front of the house. 

All to say this version of house hacking has worked for us four times in a row now and in 3 years we have 4 properties (currently) one in a location we thought we never could afford.